7 Things the IRS Lets You Do After 70%½ That Most Retirees Never Use

📌 Get the Retiree's AI Research Guide — learn how to answer any retirement tax question for YOUR situation using AI → https://kevinretires.shop The moment you turn 70½, the IRS quietly unlocks 7 provisions that can save you thousands per year. Most retirees never use a single one because nobody explains the rules change at this exact age. In this video, Kevin walks through all 7 with real 2026 numbers: 1. QCD ($111,000 limit) — donate directly from your IRA to charity. Tax-free. Satisfies your RMD. Invisible to Social Security taxation and IRMAA. Kevin shows how a couple saves $2,000/year by changing how their $10,000 donation travels from IRA to charity. Plus the 3 common QCD mistakes that disqualify your distribution. 2. One-time QCD to a Charitable Remainder Trust or Gift Annuity ($55,000 limit) — fund a lifetime income stream with tax-free IRA dollars. New under SECURE 2.0. 3. The pre-RMD IRA reduction window — QCDs start at 70½ but RMDs don't start until 73/75. That 2.5-4.5 year gap lets you shrink your IRA before forced withdrawals begin, reducing every future RMD permanently. 4. Last Roth conversion window — at 70½ you still have bracket space for conversions at 12%. Once RMDs start, that space gets cut in half or worse. Kevin shows the year-by-year math on how conversion capacity shrinks after 73. 5. New Code Y on Form 1099-R — for the first time, QCDs are automatically identified on your tax forms. If your 2025 QCD was reported without Code Y and included as taxable income, you overpaid. 6. Social Security maximum benefit + provisional income management — if you delayed to 70, your benefit is at 132%. Now the question is how to protect it from taxation. Kevin shows how a $10,000 QCD vs a $10,000 IRA withdrawal changes your SS tax from $2,400 to $0. 7. The Senior Bonus Deduction stacked with QCDs and Roth withdrawals — the combination that can produce a 0% effective federal tax rate on $50,000 of retirement income. Expires 2028. 📌 Get the Retiree's AI Research Guide → https://kevinretires.shop DISCLAIMER: This video is for educational purposes only. Nothing here is legal, tax, or investment advice. Always consult a qualified tax professional for your specific situation. #QCD #RetirementTaxes #IRS #RothConversion #RMD #SocialSecurity #IRMAA #KevinRetires #SeniorTaxDeduction #TaxStrategy #CharitableGiving #RetirementPlanning